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Rates

Vibe Credit Union is a member-owned financial institution. As a member-owner, we can offer you great low-interest loan rates on everything from vehicles to mortgages, as well as competitive high-interest rates on savings and Certificates of Deposit. 

Certificates of Deposit

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rates_cds table
Certificate TermsBalances $500-$99,999Interest Rate (APR)APY*
6 Month1.00%1.00%
12 Month1.50%1.51%
18 Month - Special2.00%2.01%
24 Month2.00%2.01%
30 Month2.15%2.17%
36 Month2.25%2.27%
48 Month2.45%2.47%
60 Month2.65%2.68%
Certificate TermsBalances $100,000-$249,999Interest Rate (APR)APY*
6 Month1.05%1.05%
12 Month1.55%1.56%
18 Month - Special2.05%2.07%
24 Month2.05%2.07%
30 Month2.20%2.22%
36 Month2.30%2.32%
48 Month2.50%2.52%
60 Month2.70%2.73%
Certificate TermsBalances $250,000 and AboveInterest Rate (APR)APY*
6 Month1.10%1.10%
12 Month1.60%1.61%
18 Month - Special2.10%2.12%
24 Month2.10%2.12%
30 Month2.25%2.27%
36 Month2.35%2.37%
48 Month2.55%2.57%
60 Month2.75%2.78%

*All rates are subject to change at any time without notice. Valid for qualified Michigan residents or existing Vibe members. Certificates are subject to early withdrawal penalties. The registered owner contracts to keep the funds deposited until maturity. If any or all of the certificate principal amount is withdrawn before the Maturity Date, a penalty will be charged. Brokered Accounts or Institutional Investors are not eligible for any Certificate. APY = Annual Percentage Yield. Fees could reduce the earnings on the account. A minimum balance of $5 in a Savings Account is required to receive applicable APY.

Consumer Loans

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Loyal members with a mortgage can receive an additional 0.25% rate discount*.

rates_loans table
New and Used Vehicle LoansAPR as low asTerm
2010-2019 Model Years2.74%*1-24 months
2010-2019 Model Years2.74%*25-36 months
2010-2019 Model Years3.24%*37-48 months
2010-2019 Model Years3.44%*49-66 months
2010-2019 Model Years4.04%*67-84 months
2009 and Older Model YearsSee personal loan rates1-60 months
New and Used RV, Motor Homes, Boats, Campers, Motorcycles, Snowmobiles, Personal Watercrafts, and Travel TrailersAPR as low asTerm
2010-2019 Model Years3.99%*1-60 months
2010-2019 Model Years - minimum loan $10,0004.24%*61-84 months
2010-2019 Model Years - minimum loan $20,0004.49%*85-120 months
2010-2019 Model Years - minimum loan $30,0004.49%*121-144 months
2010-2019 Model Years - minimum loan $40,0005.24%*145-180 months
2009 and Older Model YearsSee personal loan rates1-60 months
Credit Card LoansAPR as low asTerm
Visa Platinum8.99%n/a
Personal LoansAPR as low asTerm
Personal Line of Credit13.90%*n/a
Credit Builder9.99%1-60 months
Other Secured - yard equipment, vehicles/machinery4.49%*1-60 months
Savings Secured3.25%1-60 months
Personal Term Loan5.99%*1-12 months
Personal Term Loan5.99%*13-24 months
Personal Term Loan7.99%*25-48 months
Personal Term Loan7.99%*49-60 months

All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account.

*Quoted rates include a 0.25% member loyalty rate discount when direct deposit and auto pay are set up to cover the full payment amount of all Vibe loans. Members can receive an additional 0.25% member loyalty rate discount off the stated rate by having a mortgage and/or home equity loan with a balance of $25,000 or greater. A processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted.

Credit Cards

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We have an as low as 8.99% APR Visa® Platinum Credit Card with no annual, balance transfer, or cash advance fees.

*All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account.

Deposit Accounts

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rates_savings table
SavingsDividend RateAPY*
Savings**0.15%0.15%
Holiday Savings**0.15%0.15%
Money Market AccountsDividend RateAPY*
Balances $0-$4,999.990.20%0.20%
Balances $5,000-$24,999.990.30%0.30%
Balances $25,000-$49,999.990.40%0.40%
Balances $50,000-$99,999.990.45%0.45%
Balances $100,000 or more0.60%0.60%
FU$E MMADividend RateAPY*
Balances $0-$499.990.20%0.20%
Balances $500-$2,499.990.30%0.30%
Balances $2,500 or more0.40%0.40%
CheckingDividend RateAPY*
Any Balances0.02%0.02%
Individual Retirement AccountDividend RateAPY*
Balances $0-$4,999.990.20%0.20%
Balances $5,000-$24,999.990.30%0.30%
Balances $25,000-$49,999.990.40%0.40%
Balances $50,000-$99,999.990.45%0.45%
Balances $100,000 or more0.60%0.60%
Business SavingsDividend RateAPY*
Business Savings**0.15%0.15%
Business CheckingDividend RateAPY*
Any Balances0.02%0.02%
Business MMADividend RateAPY*
Balances $0-$4,999.990.20%0.20%
Balances $5,000-$24,999.990.30%0.30%
Balances $25,000-$49,999.990.40%0.40%
Balances $50,000-$99,999.990.45%0.45%
Balances $100,000 or more0.60%0.60%

 

*Dividend rates on all savings accounts are declared at the end of the month. All rates are subject to change at any time without notice. APY = Annual Percentage Yield. Fees could reduce the earnings on the account.

**A minimum balance of $5 in a Savings Account is required to receive applicable APY.

First Mortgages

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rates_first_mortgages table
Conventional Fixed (No Points)Rate as low asAPR
5 Year Quick Pay2.890%3.371%
10 Year3.250%3.502%
15 Year3.375%3.549%
20 Year3.625%3.762%
30 year3.875%3.974%
Conventional Adjustable Rate (No Points)Rate as low asAPR
3/1 ARM3.000%4.251%
5/1 ARM3.250%4.148%
Jumbo Loan Program (No Points)Rate as low asAPR
30 Year4.250%4.291%
Specialty ProgramRate as low as
Construction Loan (12-Month Balloon)Call for details248.596.4452
Bridge Loan (12-Month Balloon)Call for details248.596.4452
Vacant Land Loan (5-Year Balloon)Call for details248.596.4452

All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039.

Home Equity Lines of Credit

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rates_home_linecredit table
Home Equity Line of CreditRates as low asAPR
HELOC (10-Year Draw Period)5.000%5.000%

All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039.

Home Equity Fixed Term Loans

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rates_home_fixed_term table
Home Equity Fixed TermRates as low asAPR
5 Year (1-60 Months)3.890%4.136%
10 Year (61-120 Months)4.690%4.820%
15 Year (121-180 Months)5.190%5.282%
20 Year (181-240 Months)5.890%5.965%
Equity FirstRates as low asAPR
5 Year (1-60 Months)3.290%3.412%
10 Year (61-120 Months)3.490%3.553%
15 Year (121-180 Months)3.790%3.834%
20 Year (181-240 Months)3.990%4.025%

All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039.

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